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PMDF
1
Philippine Microenterprise Development Foundation (formerly PEDF)
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Mission:
To enable poor families to achieve self-sufficiency through self-help, training, mentoring and sustainable financial services.
Address:
Melendres Building, F. Manalo St.
Pasig City
1600
Philippines
Phone:
+632.641.2207
Email:
pedf
[at]
compass [dot] com [dot] ph
Main Funding Sources:
Grants
Loans
Products and Services:
Loans
Voluntary Savings
Insurance
Training and Consulting
Looking for (Investment Types):
Loans in Local Currency
Donations
Guarantees
Capacity Building Grants
Date established:
Jan 1 1998
FYE:
31-Dec
Current Legal Status:
NGO
Regulated:
yes
Social Performance Profile
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Mission specifics
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Target markets (ranked by importance)
+
Development goals (ranked by importance)
+
Poverty targets
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Governance
Has trained members of its board on social performance management
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Range of products and services
+
Financial products and services offered
+
Credit products offered
Microcredit loans for microenterprises
Microcredit for household needs/consumption
Loans for education
Housing loans
+
Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
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Compulsory insurance products required
+
Voluntary insurance products offered
+
Other financial products and services offered
+
Non-financial services offered
+
Enterprise services offered
Enterprise skills development
Business development services
+
Education services offered
+
Health services offered
Basic medical services
+
Women's empowerment services offered
Leadership training for women
+
Products and services targeting the poor
Products and services specifically designed to target the poor:
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Social responsibility to clients
+
Client protection principles in use
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
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Cost of services to clients
Flat interest method
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Social responsibility to staff
+
Human resources
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+
Basis of staff incentives related to social performance
Ability to attract new clients from target market
Client retention/drop-out rate
Portfolio quality
+
Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution identifies enterprises with environmental risk
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Poverty measurement tools in use
Per capita household expenditure
Per capita household income
Housing index
Means test
Partnerships
Current
Name
Relationship
Enterprise Mentors
Network Affiliation
Kredits
Vendor
At a glance
Assets
Gross Loan Portfolio
Equity
Contacts
JOVENCIO A GUANZON
EXECUTIVE DIRECTOR
jovyguanzon
[at]
gmail [dot] com
+632.641.2207
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May 26, 2012 - 9:02pm